Credit Agreements For Consumers (S.L. 378.10)

Inhalt

1. Art. 1 Citation and purpose.
2. PART II
3. Art. 2 Definitions.
4. PART III
5. Art. 3 Scope and application.
6. PART IV
7. Art. 3A Competent authorities.
8. Art. 3B Powers and duties of the MFSA.
9. PART V
10. Art. 3C Financial education of consumers.
11. PART VI
12. Art. 4 Obligation to comply with regulations.
13. Art. 4A Obligation to provide information free of charge to consumers.
14. Art. 5 Conduct of business obligations when providing credit to consumers.
15. Art. 6 Knowledge and competence requirements for staff.
16. PART VII
17. Art. 7 Obligation to provide pre- contractual information.
18. Art. 7A Adequate explanations.
19. Art. 8 Content of pre- contractual information.
20. Art. 8A Information requirements concerning credit intermediaries.
21. PART VIII
22. Art. 8B Standards for advisory services.
23. PART IX
24. Art. 9 Obligation to assess the credit worthiness of the consumer.
25. Art. 10 Creditworthiness assessment.
26. Art. 11 Agreement to change the total amount of credit.
27. Art. 12 Disclosure and verification of consumer information.
28. Art. 13 Collection and processing of data.
29. Art. 13A Property valuation.
30. PART X
31. Art. 14 Right to receive copy of the credit agreement.
32. Art. 15 Content of credit agreement.
33. Art. 16 Early repayment.
34. Art. 17 Assignment of the creditor’s rights or of the credit agreement itself.
35. Art. 17A Foreign currency loans.
36. Art. 17B Variable rate credits.
37. Art. 17C Arrears and enforcement.
38. PART XI
39. Art. 18 Obligation to disclose correct information.
40. PART XII
41. Art. 18A Admission of credit intermediaries.
42. Art. 18B Credit intermediaries tied to only one creditor.
43. Art. 18C Appointed representatives.
44. Art. 18D Freedom of establishment and freedom to provide services by credit intermediaries (Malta as home Member State).
45. Art. 18E Freedom of establishment and freedom to provide services by credit intermediaries (Malta as host Member State).
46. Art. 18F Withdrawal of admission of credit intermediaries.
47. PART XIII
48. Art. 19 Advertising.
49. Art. 19A Tyingandbundling practices.
50. Art. 20 Cross-border access.
51. Art. 21 Annual percentage rate of charge.
52. Art. 21A Flexible and reliable markets.
53. Art. 22 Enforcement and monitoring.
54. Art. 22A Investigations.
55. Art. 22B Right of entry to obtain information and documents.
56. Art. 22C Suspected breaches.
57. Art. 22D Obstruction.
58. Art. 22E Duties of officers.
59. Art. 22F Supervision of credit intermediaries (Malta as home Member State).
60. Art. 22G Supervision of credit intermediaries (Malta as host Member State).
61. Art. 22H Obligation to cooperate.
62. Art. 23 Investigations, judicial proceedings, penalties and the right of appeal
63. Art. 23A Administrative penalties - powers of the MFSA.
64. Art. 23B Right to appeal from a decision or measure of the MFSA.
65. Art. 23C Publication of administrative penalties.
66. Art. 24 Regulations to prevail.
67. Art. 24A Dispute resolution mechanism.
68. Art. 25 Saving.
69. Art. 25A Transitional provisions.